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7 Engaging and Fun Ways to Teach Kids About Money

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The following is a guest post by Julian Hearn at “Happier.” If you are interested in guest posting at Club Thrifty, please see our guest posting guidelines.

As moms, we constantly worry about what our kids will takeaway from us and what they’ll adopt from society. And, as Holly pointed out in her post “What I Want My Kids to Know About Money”, what we do really matters as much as what we say.

We can “do” all day long, but without the “say”, our actions may be overlooked or forgotten. We want to teach them not to get ripped off, to save what they can, and to stay out of debt as much as possible. One way to ingrain that “doing” is by explaining why we do what we do. And, later, as the conversations and actions progress, we can ask them what they think we should do – and why.

Actions are very important, but words are, too.

And making financial education a fun matter is necessary, if we want to instill the lessons in them – and in ourselves. Because to teach, we first have to master, right? That means we have to know what we’re talking about; we have to follow through with our lessons; and we have to practice what we preach.

Making it fun, makes it easier on us and on them. They’ll see our approaches to money are healthy and fulfilling and that’s what they’ll (hopefully) migrate toward later. Here are a few fun ways to teach kids about money that we can start using today!

7 Ways to Make Learning About Money Fun

  1. Play Monopoly Jr. Get your kids involved in the money concept early with Monopoly Jr. This version of an old tradition allows them to set up ticket booths to different rides throughout the amusement park. They earn money through ticket sales. And done well, even the 5 year old will walk away with an understanding of earning and spending money.
  2. Let them sit in on Money Meetings. Whether you hold meetings with just you and your laptop as you pay bills or with your spouse, let them be silent partners in the beginning as you explain what it is you’re doing and why. Later, they can graduate to Junior Partner, once they’ve gotten a grasp of the concept. Schedule your meetings and offer drinks and snacks to make an event of it.
  3. Act out role-playing money games. Set up scenarios where the kids have a goal (i.e. buy the things they need for living, saving $300, etc.) and let them be the parents while you pretend to be them. They’ll have to think about the lessons they’ve been taught and how they will achieve their goal.
  4. Let them be their own accountant. Give them an “accounting book” to keep track of chores they’ve performed during the week. At the end of the week, give them their allowance and help them understand and divide it up properly (Ideally: 40% to spending, 40% short-term savings, 10% long-term savings, and 10% to charity).
  5. Give them accountability. Open a checking and savings account with them and teach them how to use software, like Mint.com, to keep up with what they have and how well they are reaching their goals.
  6. Let them play money games online. Sites like Nick Jr., Turtle Diary, and PBSKids are great places to find money games that will teach coin recognition, tag reading, and more.
  7. Play reporter. After a visit to the store, let them play journalist where they have to explain to the “audience” what just happened. (Here we are at Whole Foods, ladies and gentlemen, and Mr. Brown has just handed over $20 to the lady behind the counter and what he got in return was a package of 10 clothes hangers and $17. How extraordinary! He gave her too much money, folks!)

The times and ways to learn about money are endless. Keeping your eyes open for opportunities will help you keep the learning fun and ongoing. There’s no one right time to do this.

What are your favorite and most fun ways to teach your kids about money?

Julian Hearn, blogs at Happier, a friendly blog about personal finance, living frugally, and happiness.

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58 Comments

  1. Julian Hearn says:

    Hi All,

    If you have any questions about this post fire away, I would be happy to help.

    Julian.

    PS. Thanks Greg for publishing this post.

  2. These are all great ideas Julian! We’re just starting to do some of this with our kids, our oldest is five. Neither one of us what taught much by our parents about money, other than bad habits, and aim to change that. Our oldest is just starting to grasp the whole cost issue and it’s fun to teach her and see her understand that if we want something that requires something from us.

  3. Julian Hearn says:

    Hi John S,

    I’m really pleased to hear you are starting to teach your kids about money. My dad didn’t specifically teach me about money, but I did learn a lot from him from his actions. He was very careful with money, didn’t buy flash things, didn’t use credit cards, etc, all things I picked up. So if you are not teaching them directly, kids will still learn from you.

    “The mediocre teacher tells. The good teacher explains. The superior teacher demonstrates. The great teacher inspires.” — William Arthur Ward

    Good luck,

    Julian.

  4. Great post, Julian! We’ve been doing much of this with our kids and they’re really learning well. Another thing we’re doing with them is teaching them how to use their gifts to earn their own money. We want them to be creative in terms of learning how to make money as well as manage it.

  5. Julian Hearn says:

    @Laurie, thank you for the kind comment.

    Sounds like you will have some seriously financially savvy kids.

  6. Monopoly Jr. is actually a really, really good game. It helped my kids learn the difference between different denominations of bills. Other games, like Clue Jr. or Hi Ho Cherry-O are only fun if you want to beat your head against the wall.

  7. Good information. Our kids are 3.5 and 1.5. They basically know the concept of coins (they get to put the penny in the machine at the grocery store to start their ‘pony’ ride). I look forward to teaching them as they grow older.

    I think you did miss one, in fact it’s the most important one that I learned and that I intend to pass along to my children, and that’s to teach by example. All the games and lessons in the world will only supplement what your kids watch and see (and believe me, they are watching!) you do. If they see you being responsible with your money, saving, avoiding credit card debt, etc. those lessons will stick. It’s never too early to start in this regard, either.

  8. Julian Hearn says:

    Hi Money Beagle,

    Totally agreed, leading by example is vitally important.

    Julian.

  9. as a kid I loved the money games like monopoly. the real financial life of the family was a big blur, I don’t remember my parents ever paying bills in front of me, they made a point to let us know we were privileged to have piano lessons and go on holiday though.

  10. With so much good information available, or kids could be the next generation that is actually responsible with money!

  11. Definetly some cool ideas there. We got our kids Monopoly for Christmas and my oldest son loves playing that game. However doing the role playing games with kids is also another really great way to teach your kids about money that I never thought of either.

    Whatever the case I kind of wish kids would actually get taught these things in school as well. I know so many people who have gotten straight A’s in school but never got taught the value of money and how to hold a budget and as a result always seem to be living that paycheck to paycheck lifestyle.

    Anyways thanks for the great advice.

  12. I think these are great ideas! We don’t have kids yet but teaching them how to manage money will be something we work on at an early age. I think there are lots of practical ways to do it but leading by example and including them in the money meetings is a great one! They need to understand why they just can’t have everything they want when you go to the grocery store!

  13. Great ideas – love everyday hands-on practical experience aspects of #4 and #5 in particular. Bravo.

  14. Nice work Julian. I have been thinking about how to teach my son about money when he is old enough and I like all of these. This should help make the process easier.

  15. Great ideas. Our five year old loves Monopoly Jr. and life. She is starting to get the concept loans for things you can’t afford and whether that is a good choice and how career choices affect how much money you make. Hopefully she will remember that down the road.

  16. These are great ideas, I especially like the Monopoly Jr concept! My daughter is only 2 but once she is older I can’t wait to teach her how to play it 🙂 It’s one of my favorite games.

  17. I involved my children in everything I did! They worked at my restaurant, were present when I made investment decisions, went to work with me and saw what I did. When age appropriate, I helped them invest their money. A good role model is always a good teaching tool.

  18. Love these ideas!! Especially the Monopoly one. I swear, I was addicted as a kid and became very aware of the power of money from an early age 🙂

  19. Mandy @MoneyMasterMom says:

    Nice post Julian. I think its really important to start young so it’s so the concept of money is always familiar. My 4 year old is going to love to be a reporter, she doesn’t stop talking 🙂

  20. Excellent post! I’m a firm believer that it’s never too early to teach children sound financial habits. It’s also important for parents to model positive financial management!

  21. I really like your idea of “Let[ting] them sit in on Money Meetings.” As a child, I might have been confused by the scale of the money moving around at first, but I think I’d be better off when I realized just how much money we could have saved by making small changes.

  22. Great post. I absolutely believe children learn about money through observing how their parents handle money regardless of whether or not the parents even talk to them about it. It’s so important to model good financial behavior and talk to kids about handling money. My girls know that a credit card is not a piece of plastic that magically pays for our purchases. I drive local store clerks crazy because I always ask – “who pays for it?” and the girls know the answer by heart, “you do. You and daddy work hard for your money.” It’s never too early or too late to teach our children good money habits.

  23. It’s so valuable to teach them early. We opened up savings accounts for our kids. They love going to the bank and watching the teller behind the counter deposit their money. They have learned what interest is and how to keep track of their deposits in a log book. Great ideas!

  24. As your kids get older I would recommend involving them more in the family finances. How to make a budget, how much does food cost, etc. And try to find some way to get them into investing. The quicker that they can learn that money is better spent making more money than buying junk, the faster they’ll be on their way to bright financial future.

  25. No kids here but what my parents taught me to do was be my own money accountant. I was in charge of the funds and I made sure to count it all, and track it all. It was fun and likely why I still do that today.

  26. These are excellent. Raising financially sound kids is definitely something that is important to my hubby and I . We want them to have a sound future and that comes with good money management. I remember my parents using board games with us to teach and it was really effective. Stock ticker is a great game for introducing kids to investing.

  27. Lamont Poremba says:

    thanks for does great ideas, yeah money is fun so learning about them is also fun 🙂

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